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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,348 | $45,343-94.8% | $150,298-98.4% | $67,986-96.5% |
| Participation rate | 77.0% | 51.9%+25.1pp | 77.8%-0.8pp | 57.2%+19.8pp |
| Annual return | 16.42% | 33.28%-16.9pp | 62.79%-46.4pp | 31.67%-15.2pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,017 | $2,055-50.5% | $5,453-81.4% | $3,358-69.7% |
| Admin fee / account holder | $480 | $2,250-78.7% | $14,116-96.6% | $3,203-85.0% |